Patriot America Insurance: Comprehensive Insurance Coverage for Visitors and Travelers

Visiting America for work or leisure can be an exciting adventure. However, it is important to have adequate protection in case of unexpected events such as medical emergencies, accidents or trip cancellations. Patriot America Insurance is one of the most comprehensive insurance plans available for visitors and travelers to the United States. This article will provide an in-depth review of Patriot America Insurance, its features, benefits, and frequently asked questions to help you make an informed decision.

What is Patriot America Insurance?

Patriot America Insurance is a travel medical insurance plan designed primarily for non-U.S citizens who are traveling to the United States. The plan provides comprehensive coverage for medical expenses, emergency medical evacuation, repatriation of remains, and accidental death and dismemberment.

The plan is underwritten by Sirius International Insurance Corporation and administered by International Medical Group (IMG), one of the leading global insurance providers with over 30 years of experience in the industry. Patriot America Insurance offers financial protection for visitors and travelers who may not have access to healthcare services in the United States or who may not be covered by their existing insurance policies.

Features and Benefits of Patriot America Insurance

1. Comprehensive Medical Coverage

Patriot America Insurance offers comprehensive medical coverage for the duration of the policy period. The plan covers expenses related to hospitalization, surgery, physician services, prescription drug costs, and emergency dental care. The policy also includes coverage for pre-existing medical conditions, subject to certain restrictions and limitations.

2. Emergency Medical Evacuation

If you experience a medical emergency during your trip, Patriot America Insurance provides coverage for emergency medical evacuation to the nearest appropriate medical facility. The plan covers the costs associated with transportation, medical supervision, and appropriate treatment en route to the medical facility.

3. Repatriation of Remains

If you pass away during your trip, Patriot America Insurance provides coverage for the preparation and repatriation of remains to your home country.

4. Accidental Death and Dismemberment

If you suffer a critical injury or pass away due to an accident during your travel, Patriot America Insurance provides coverage for accidental death and dismemberment. The plan pays a lump-sum benefit to the designated beneficiary or your estate in case of your untimely demise.

5. Trip Cancellation and Interruption

Patriot America Insurance offers protection against trip cancellations and interruptions due to unforeseen events such as illness, injury, or natural disasters. The plan covers the non-refundable costs of travel and lodging arrangements, subject to certain exclusions and limitations.

FAQs about Patriot America Insurance

1. Who is eligible for Patriot America Insurance?

Patriot America Insurance is available for non-U.S citizens traveling to the United States for business or leisure purposes. The plan is also suitable for individuals or groups planning to study, teach or conduct research in the United States.

2. How long can I purchase Patriot America Insurance for?

You can purchase Patriot America Insurance for a minimum of five days up to a maximum of two years. You can also renew the policy for additional periods, subject to certain underwriting requirements and limitations.

3. How much does Patriot America Insurance cost?

The cost of Patriot America Insurance varies depending on the duration of your travel, age, and selected coverage options. A five-day policy starts as low as $45 for individuals under 30 years of age.

4. Can I select my preferred healthcare provider or hospital?

Patriot America Insurance offers a wide network of healthcare providers and hospitals across the United States. However, you can select your preferred healthcare provider or hospital and still receive coverage under the plan.

5. Does Patriot America Insurance cover pre-existing medical conditions?

Yes, Patriot America Insurance provides coverage for pre-existing medical conditions subject to certain restrictions and limitations. You must disclose any pre-existing medical conditions at the time of purchase or renewal of the policy.

Conclusion

Patriot America Insurance is an excellent choice for non-U.S citizens traveling to the United States who need comprehensive insurance coverage for medical expenses, emergency medical evacuation, repatriation of remains, and accidental death and dismemberment. The plan offers flexibility in terms of coverage options and duration, competitive pricing, and outstanding customer service. If you are planning a trip to the United States, we highly recommend that you consider purchasing Patriot America Insurance for your peace of mind and financial protection.